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Living in a small, third-floor walk-up may have seemed like a good idea when you first moved to the city, but what happens when the apartment's "charm" wears off? Luckily, Naked Apartments offers a database of no-fee and low-fee rentals, with broker’s fees capped at 9 percent (versus the usual 12-15 percent).

Long Island City one-bedroom, one-bath with stainless steel appliances and floor-to-ceiling windows in a building with a tenants’ lounge and an outdoor swimming pool. $2,800/month + 8.37% broker’s fee.

Riverdale one-bedroom, one-bath with hardwood floors and large closets in a building with tennis courts and a full-time doorman. $1,795/month + 6.75 percent broker’s fee + 1 month free.

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How much total do you plan to tip the building staff this year?

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I own in a doorman building

I own in a non-doorman building

I rent in a doorman building

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How much total will you tip the building staff this year at the holidays?